Lock in a guaranteed rate
Earn up to 2.11% annual interest on your savings. Lock in a guaranteed rate for the term you choose.*

Lock in a guaranteed rate
Earn up to 2.11% annual interest on your savings. Lock in a guaranteed rate for the term you choose.*

Lock in a guaranteed rate
Earn up to 2.11% annual interest on your savings. Lock in a guaranteed rate for the term you choose.*


Pick a term that matches your goals
Lock in a guaranteed interest rate for your savings goals, whether they're 3 months or 2 years away.
Choose a term that works for you: 3, 6, 12, or 24 months
Deposit anywhere from €1,000 to €100,000 per person
Your interest is guaranteed for the entire term

Pick a term that matches your goals
Lock in a guaranteed interest rate for your savings goals, whether they're 3 months or 2 years away.
Choose a term that works for you: 3, 6, 12, or 24 months
Deposit anywhere from €1,000 to €100,000 per person
Your interest is guaranteed for the entire term

Pick a term that matches your goals
Lock in a guaranteed interest rate for your savings goals, whether they're 3 months or 2 years away.
Choose a term that works for you: 3, 6, 12, or 24 months
Deposit anywhere from €1,000 to €100,000 per person
Your interest is guaranteed for the entire term
Term Deposit Rates
| Term | Gross Annual Interest Rate |
|---|---|
3 months | 1.76% |
6 months | 1.86% |
12 months | 2.11% |
24 months | 1.91% |

Protected savings, flexible access
Your EUR savings at bunq are protected up to €100,000 by the Dutch Deposit Guarantee Scheme (DGS). And because plans can change, you have the flexibility to access your Term Deposit funds early for a clear, predictable fee¹.

Protected savings, flexible access
Your EUR savings at bunq are protected up to €100,000 by the Dutch Deposit Guarantee Scheme (DGS). And because plans can change, you have the flexibility to access your Term Deposit funds early for a clear, predictable fee¹.

Protected savings, flexible access
Your EUR savings at bunq are protected up to €100,000 by the Dutch Deposit Guarantee Scheme (DGS). And because plans can change, you have the flexibility to access your Term Deposit funds early for a clear, predictable fee¹.
Disclaimer
¹When you place funds in a EUR term deposit, your money is locked for the full duration of the selected term. Only the full amount may be withdrawn—partial withdrawals aren’t possible. If you withdraw your funds before the end of the term, an early-withdrawal fee will apply. The early-withdrawal fee is 1% of the amount withdrawn for each remaining year of the term (partial year count as full), with the remaining period rounded up to the next full year. As a result, withdrawing early may reduce the amount you receive back. Learn more
Disclaimer
¹When you place funds in a EUR term deposit, your money is locked for the full duration of the selected term. Only the full amount may be withdrawn—partial withdrawals aren’t possible. If you withdraw your funds before the end of the term, an early-withdrawal fee will apply. The early-withdrawal fee is 1% of the amount withdrawn for each remaining year of the term (partial year count as full), with the remaining period rounded up to the next full year. As a result, withdrawing early may reduce the amount you receive back. Learn more
Disclaimer
¹When you place funds in a EUR term deposit, your money is locked for the full duration of the selected term. Only the full amount may be withdrawn—partial withdrawals aren’t possible. If you withdraw your funds before the end of the term, an early-withdrawal fee will apply. The early-withdrawal fee is 1% of the amount withdrawn for each remaining year of the term (partial year count as full), with the remaining period rounded up to the next full year. As a result, withdrawing early may reduce the amount you receive back. Learn more
Trusted by millions of users
Join over 20 million users on the bunq platform
Insured up to €100,000
Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).
Card Payment Refunds
Your money is protected if something doesn't go as planned.
Instant Payments
Send and receive money instantly, no waiting.
24/7 support
Instant help in your language, whenever you need it.
Trusted by millions of users
Join over 20 million users on the bunq platform
Insured up to €100,000
Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).
Card Payment Refunds
Your money is protected if something doesn't go as planned.
Instant Payments
Send and receive money instantly, no waiting.
24/7 support
Instant help in your language, whenever you need it.
Trusted by millions of users
Join over 20 million users on the bunq platform
Insured up to €100,000
Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).
Card Payment Refunds
Your money is protected if something doesn't go as planned.
Instant Payments
Send and receive money instantly, no waiting.
24/7 support
Instant help in your language, whenever you need it.
Frequently Asked Questions
What is a Term Deposit?
A Term Deposit lets you lock your money for a fixed period to earn a higher interest.
A Term Deposit lets you lock your money for a fixed period to earn a higher interest.
What rates can I earn with a Term Deposit?
The interest rate you earn depends on the term you choose and whether you look at the annual rate or the prorated return for the specific term length.
Gross Annual Interest Rate
This shows the annualised interest rate for each term. It helps you compare Term Deposits with different durations on a like-for-like basis, even though shorter terms don’t run for a full year.
For example:
3 months: 1.76% gross (1.23% net) annualised
6 months: 1.86% gross (1.30% net) annualised
12 months: 2.11% gross (1.48% net)
24 months: 1.91% gross (1.34% net) annualised
Gross Prorated Interest Rate
This shows the actual interest you earn over the full duration of your chosen term, based on how long your money is locked.
For example:
3 months: 0.44% gross (0.31% net)
6 months: 0.93% gross (0.65% net)
12 months: 2.11% gross (1.48% net)
24 months: 3.82% gross (2.67% net)
Who can open a Term Deposit?
Any personal bunq user aged 18+, on any plan, can open a Term Deposit. Learn more
How much can I deposit?
You can deposit €1,000–€100,000 per Term Deposit.
You can open multiple deposits and savings accounts as long as the combined total stays below €100,000.
Do I earn interest on everything I deposit?
Interest is earned on a combined maximum of €100,000 across all your EUR Savings Accounts and Term Deposits. Anything above that does not earn interest.
Can I add money after opening the Term Deposit?
No. Your deposit amount is fixed for the full term. Incoming transfers to the Term Deposit will bounce.
Can I withdraw money early?
Yes, but only as a full withdrawal, and an early withdrawal fee may apply. Partial withdrawals aren’t possible. Learn more
What happens at the end of the term?
When the term ends, your deposit and interest are paid to your main bank account and the Term Deposit account closes, so your money is ready to use immediately. Learn more
Is my money protected?
Yes. Term Deposits are covered under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per person, combined across all EUR Savings Accounts and Term Deposits.
Frequently Asked Questions
What is a Term Deposit?
A Term Deposit lets you lock your money for a fixed period to earn a higher interest.
A Term Deposit lets you lock your money for a fixed period to earn a higher interest.
What rates can I earn with a Term Deposit?
The interest rate you earn depends on the term you choose and whether you look at the annual rate or the prorated return for the specific term length.
Gross Annual Interest Rate
This shows the annualised interest rate for each term. It helps you compare Term Deposits with different durations on a like-for-like basis, even though shorter terms don’t run for a full year.
For example:
3 months: 1.76% gross (1.23% net) annualised
6 months: 1.86% gross (1.30% net) annualised
12 months: 2.11% gross (1.48% net)
24 months: 1.91% gross (1.34% net) annualised
Gross Prorated Interest Rate
This shows the actual interest you earn over the full duration of your chosen term, based on how long your money is locked.
For example:
3 months: 0.44% gross (0.31% net)
6 months: 0.93% gross (0.65% net)
12 months: 2.11% gross (1.48% net)
24 months: 3.82% gross (2.67% net)
Who can open a Term Deposit?
Any personal bunq user aged 18+, on any plan, can open a Term Deposit. Learn more
How much can I deposit?
You can deposit €1,000–€100,000 per Term Deposit.
You can open multiple deposits and savings accounts as long as the combined total stays below €100,000.
Do I earn interest on everything I deposit?
Interest is earned on a combined maximum of €100,000 across all your EUR Savings Accounts and Term Deposits. Anything above that does not earn interest.
Can I add money after opening the Term Deposit?
No. Your deposit amount is fixed for the full term. Incoming transfers to the Term Deposit will bounce.
Can I withdraw money early?
Yes, but only as a full withdrawal, and an early withdrawal fee may apply. Partial withdrawals aren’t possible. Learn more
What happens at the end of the term?
When the term ends, your deposit and interest are paid to your main bank account and the Term Deposit account closes, so your money is ready to use immediately. Learn more
Is my money protected?
Yes. Term Deposits are covered under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per person, combined across all EUR Savings Accounts and Term Deposits.
Frequently Asked Questions
What is a Term Deposit?
A Term Deposit lets you lock your money for a fixed period to earn a higher interest.
A Term Deposit lets you lock your money for a fixed period to earn a higher interest.
What rates can I earn with a Term Deposit?
The interest rate you earn depends on the term you choose and whether you look at the annual rate or the prorated return for the specific term length.
Gross Annual Interest Rate
This shows the annualised interest rate for each term. It helps you compare Term Deposits with different durations on a like-for-like basis, even though shorter terms don’t run for a full year.
For example:
3 months: 1.76% gross (1.23% net) annualised
6 months: 1.86% gross (1.30% net) annualised
12 months: 2.11% gross (1.48% net)
24 months: 1.91% gross (1.34% net) annualised
Gross Prorated Interest Rate
This shows the actual interest you earn over the full duration of your chosen term, based on how long your money is locked.
For example:
3 months: 0.44% gross (0.31% net)
6 months: 0.93% gross (0.65% net)
12 months: 2.11% gross (1.48% net)
24 months: 3.82% gross (2.67% net)
Who can open a Term Deposit?
Any personal bunq user aged 18+, on any plan, can open a Term Deposit. Learn more
How much can I deposit?
You can deposit €1,000–€100,000 per Term Deposit.
You can open multiple deposits and savings accounts as long as the combined total stays below €100,000.
Do I earn interest on everything I deposit?
Interest is earned on a combined maximum of €100,000 across all your EUR Savings Accounts and Term Deposits. Anything above that does not earn interest.
Can I add money after opening the Term Deposit?
No. Your deposit amount is fixed for the full term. Incoming transfers to the Term Deposit will bounce.
Can I withdraw money early?
Yes, but only as a full withdrawal, and an early withdrawal fee may apply. Partial withdrawals aren’t possible. Learn more
What happens at the end of the term?
When the term ends, your deposit and interest are paid to your main bank account and the Term Deposit account closes, so your money is ready to use immediately. Learn more
Is my money protected?
Yes. Term Deposits are covered under the Dutch Deposit Guarantee Scheme (DGS) up to €100,000 per person, combined across all EUR Savings Accounts and Term Deposits.
Choose your plan
Try it free for 30 days, no strings attached.
bunq Free
Free
The essentials to get you started.
bunq Core
€3.99/month
The bank account for everyday use.
bunq Pro
€9.99/month
The bank account that makes budgeting easy.
bunq Elite
€18.99/month
The bank account designed for your international lifestyle.
Choose your plan
Try it free for 30 days, no strings attached.
bunq Free
Free
The essentials to get you started.
bunq Core
€3.99/month
The bank account for everyday use.
bunq Pro
€9.99/month
The bank account that makes budgeting easy.
bunq Elite
€18.99/month
The bank account designed for your international lifestyle.
Choose your plan
Try it free for 30 days, no strings attached.
bunq Free
Free
The essentials to get you started.
bunq Core
€3.99/month
The bank account for everyday use.
bunq Pro
€9.99/month
The bank account that makes budgeting easy.
bunq Elite
€18.99/month
The bank account designed for your international lifestyle.
Turn your savings into a long-term advantage
If you have money you can set aside, a bunq Term Deposit helps you make more of it with higher, stable returns. No extra accounts, no paperwork, just a smart way to grow your savings from the app you already use every day.

Turn your savings into a long-term advantage
If you have money you can set aside, a bunq Term Deposit helps you make more of it with higher, stable returns. No extra accounts, no paperwork, just a smart way to grow your savings from the app you already use every day.

Turn your savings into a long-term advantage
If you have money you can set aside, a bunq Term Deposit helps you make more of it with higher, stable returns. No extra accounts, no paperwork, just a smart way to grow your savings from the app you already use every day.

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Check out some of these blog posts, packed with useful insights and tips to help you bank smarter and make life easy.
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Check out some of these blog posts, packed with useful insights and tips to help you bank smarter and make life easy.


